LOAN RISK OFFICER- IKOYI AT OUTSOURCE COMPANY | BANKING JOBS IN LAGOS

About Company:

The Outsource Company is a 100 % privately held Nigerian company offering BPO/ITES (Business Process Outsourcing/Information Technology Enabled Services), from its state of art 350+ seat (additional 1000 seat also in plan) call center facility in Abuja, Nigeria. Our world class facility offers end-to-end voice and non-voice BPO services globally. 

Job Description:

We are seeking a high-velocity and strategically elite Loan Risk Officer to anchor the credit engine of our Ikoyi operations. In the specialized landscape of Lagos’s financial sector, success is defined by "Credit Sovereignty", the ability to harmonize borrower aspirations with the clinical precision required for Cash Flow Evaluation, Default Risk Assessment, and Portfolio Governance. This role is designed for a "Risk Architect" with 3–5 years of experience (specifically within Microfinance) who can blend "Analytical Grit" (evaluating financial health and credit history) with the "Strategic Agility" required to develop mitigation models and manage collateral.

Requirements:

1. Analysis Orchestration & Credit Governance

• Evaluation Sovereignty: Assess borrowers' financial health and cash flow with millimetric focus, acting as the primary "Source of Default Risk Identification."

• Review Architecture: Approve or reject loan applications based on rigorous credit file audits, providing the "Structural Foundation" for company policy compliance.

• Compliance Stewardship: Ensure 100% adherence to financial regulations and internal policies, ensuring the "Source of Regulatory Integrity" is elite.

2. Tactical Resilience & Mitigation Logic

• Risk Sovereignty: Develop and implement advanced risk assessment models, acting as the primary "Source of Portfolio Safeguarding."

• Collateral Architecture: Manage and implement mitigation strategies including collateral oversight, providing the "Analytical Foundation" for asset security.

• Reporting Stewardship: Prepare high-fidelity reports on credit risks for management, maintaining the "Source of Strategic Visibility."

3. Portfolio Integrity & Performance Power

• Management Sovereignty: Monitor credit portfolio performance to identify high-risk exposures, acting as the primary "Source of Early Warning Intelligence."

• Trend Architecture: Identify and analyze emerging credit trends within the Lagos market, providing the "Visual Foundation" for proactive risk adjustment.

• Velocity Logic: Utilize 3–5 years of Microfinance expertise to streamline the loan review cycle, maximizing the "Source of Operational Efficiency."

Qualifications and Skills:

Professional Profile

• Education: BA/BSc/HND in Finance, Economics, Accounting, or a related field.

• Experience: 3–5 years of proven experience in Loan Risk or Credit Analysis, with mandatory previous Microfinance experience.

• Location: Must be able to work in Ikoyi, Lagos (Hybrid model).

Core Competencies

• Analytical Grit: Exceptional ability to deconstruct financial statements and identify "red flags" in credit history.

• Operational Sovereignty: Strong understanding of risk mitigation strategies and collateral management.

• Decision Power: Assertive and ethical decision-making capability regarding loan approvals and rejections.

Salary

Application Closing Date: Not specified

Application Instructions:

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